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GATEWAY&BANKS
Company Formation and Payment Processing — UK & Cyprus

Gateway & Banks specialises in international payment processing and banking — primarily across Europe, Israel, and the UK — and from years of deep experience understands the exact needs of every business. We incorporate your company in the UK or Cyprus and connect everything around it — Bank Account, Business Website, Merchant account tailored to your activity, and Dispute Alert Coverage via Verifi/Ethoca — supported by a team that works daily with dozens of processing connections and payment providers.

Get Started → See How It Works
Payments Banking
S
How It Works

One process. Five connections.

From application to first transaction — handled end to end by a team that works daily with dozens of processing connections and providers.

1

Choose Your Incorporation Country

Register online and tell us about your business — the activity type, expected volume, and whether you use subscriptions or one-time transactions. We match you with the right setup.

2

Company Formation

We file and register your company in the UK or Cyprus, including all required documents and registered office arrangements.

UK or Cyprus
3

Bank Account Opening

We connect your new company to a business bank account, handling the introduction and paperwork on your behalf.

4

Your Website Goes Live

A professional business website is built and connected to your company, ready to support payment integration.

5

Merchant Account Setup

We match you with a payment processor suited to your specific activity — subscriptions, one-off transactions, or both.

Tailored to your business
6

Dispute Alert Coverage

Your account is connected to Verifi & Ethoca, so you receive an alert the moment a customer disputes a charge — with time to resolve it directly before it escalates.

Verifi · Ethoca
What's Included

One package. Six connections.

Every package — UK or Cyprus — includes all six services listed below. Nothing is sold separately.

🏢
Company Formation
UK or Cyprus
Filed and registered for you
🏦
Bank Account
Business account
Opened in your company name
🌐
Business Website
Built and hosted
Ready for your payment integration
💳
Merchant Account
Subscriptions or one-off
Tailored to your specific activity
🛡️
Dispute Alert Coverage
Verifi & Ethoca
Early alerts before chargebacks escalate
💻
International Payment Processing Software
Subscription-ready
PCI Level 2 compliant
🤝 End-to-End Personalisation

We work daily with dozens of processing connections and providers

Every business is matched individually — your activity type, volume, and billing model determine which acquirer and processor we connect you with. There is no one-size-fits-all Merchant Account.

Choose your exact activity from a searchable list during registration.

Packages

Choose Your Incorporation Country

One-time setup fee. Both Packages include all five services in full — incorporation, banking, website, Merchant Account, and Dispute Alert Coverage.

🇬🇧 United Kingdom
£3,000
One-time · All 5 services
  • Company formation in England & Wales
  • Onboarding to a business bank account
  • Business website built and connected
  • Merchant account tailored to your activity
  • Verifi & Ethoca Dispute Alert Coverage
  • Dedicated onboarding manager
Apply for UK →
🇨🇾 Cyprus
£4,500
One-time · All 5 services
  • Company formation in Cyprus
  • Onboarding to a business bank account
  • Business website built and connected
  • Merchant account tailored to your activity
  • Verifi & Ethoca Dispute Alert Coverage
  • Dedicated onboarding manager
Apply for Cyprus →
How Dispute Coverage Works

Early Alerts, Not Guarantees

🔔

Early Dispute Alerts

Verifi (linked to Visa) and Ethoca (linked to Mastercard) alert you the moment a cardholder disputes a charge — often before it becomes an official chargeback.

🤝

Time to Resolve Directly

You get a window to refund or resolve the matter directly with the customer, instead of it escalating to the processor as a formal dispute.

📊

Cleaner Dispute Ratio

Resolving disputes before escalation keeps your chargeback ratio healthier with the processor — important for maintaining good standing over time.

Business Sectors

Almost any business,
properly matched

These are some examples of sectors we incorporate for regularly. When registering you will select your exact category from a full searchable list — this determines the match to your bank account and merchant account.

🛒
E-Commerce
Retail & E-commerce
Physical or digital products — single or recurring orders
🔁
Subscriptions
Subscriptions & SaaS
Recurring billing, trial periods, tiered plans
📚
Digital Products
Digital Products & Content
Courses, e-books, downloads, memberships
🎓
Education
Coaching & Education
Online courses, private tutoring, certification programmes
✈️
Travel
Travel & Hospitality
Bookings, tours, accommodation
💼
Professional Services
Consulting & Agencies
B2B services, freelancers, agencies
🏃
Health & Wellness
Health & Wellness
Fitness plans, coaching, supplements
🎮
Entertainment
Digital Entertainment
Gaming, streaming, in-app purchases
🏠
Real Estate
Real Estate Services
Listing platforms, property management
📈
Fintech
Trading Tools & Fintech
Software and data services for traders
🛒
Trading Platforms
Trading Venues & Platforms
Multi-vendor platforms and aggregators
➕
And More
Something Else
Most business types qualify — tell us about yours at registration

Can't find your category? Most legitimate business activities qualify — Search for yours when you register.

FAQ

FAQ

What types of businesses do you work with? +
Almost any legitimate business activity qualifies — e-commerce, subscriptions, digital products, consulting, and more. During registration you will search and select your specific activity from a full list, and it determines the acquirer and merchant account we match you with.
What is the difference between the UK and Cyprus packages? +
Both packages include the same five services — Company Formation, Bank Account, website, Merchant Account, and Dispute Alert Coverage via Verifi/Ethoca. The difference is the country of incorporation, which affects taxation, banking relationships, and the acquirers available to you. We are happy to help you decide what suits your business.
How does the Verifi/Ethoca dispute alert service actually work? +
Verifi (linked to Visa) and Ethoca (linked to Mastercard) send you an alert the moment a cardholder opens a dispute — usually before it becomes an official chargeback. This gives you a short window to refund or resolve the matter directly with the customer, rather than having it processed through the acquirer as a dispute. The service does not prevent customers from disputing a charge; it gives you an earlier and faster way to resolve it.
How long does the whole process take? +
Timelines vary by country and by how quickly you provide the documents. Your onboarding manager will give you a realistic estimate for company formation, bank account approval, and merchant account activation, once we understand your specific activity.
Is Gateway & Banks a bank or a payment processor? +
No. Gateway & Banks Limited is a formation and onboarding service — we connect you to licensed banks, acquirers, and payment service providers. We do not hold your funds and we are not a financial institution ourselves.

Open your company.
And connect to payments.

Start your application for the UK or Cyprus package and receive a Dedicated onboarding manager from day one.

Start Today →

Terms & Conditions

Last updated: June 2026  |  Gateway & Banks Limited

1. About Gateway & Banks

Gateway & Banks Limited (“Gateway & Banks”, “we”, “us”) is a company formation and payment processing connection service. We help clients register a company in the UK or Cyprus and connect it to a business Bank Account, website, Merchant Account, and dispute alert services. We are not a bank, a payment processor, or a financial institution, and we do not hold client funds.

2. Eligibility and Application

To apply you must be aged 18 or over and provide accurate personal and business details, including a description of the planned business activity. All Requests are subject to review and approval, including Know Your Customer (KYC) checks required by our banking and processing partners. We reserve the right to decline any application for a Business Activity that is unlawful, fraudulent, or prohibited by our partner banks or acquirers.

3. Application Review

No payment is collected through the application form. After reviewing the application and supporting documents, your onboarding manager will contact you to confirm the scope of work and issue a secure invoice or payment link, before company formation work begins.

4. Package Scope

Each package (UK or Cyprus) carries a one-time setup fee covering: (a) Company Formation and registration, (b) Introduction and onboarding to a business bank account, (c) Business website built and connected to your company, (d) Merchant Account tailored to the business activity you declared, and (e) Connection to Verifi & Ethoca dispute alert services. Timelines for each component vary by country, bank, and acquirer, and are not guaranteed by Gateway & Banks.

5. Dispute Alert Coverage

Verifi & Ethoca provide early alerts when a cardholder disputes a transaction, giving the merchant a window to resolve the matter directly with the customer before it escalates to an official chargeback. These services do not prevent a cardholder from disputing a transaction and do not guarantee that disputes will not arise.

6. Bank Account and Merchant Account Approval

Final approval for any Bank Account or Merchant Account rests solely with the relevant bank or payment service provider, not with Gateway & Banks. We assist with introductions and preparing applications on your behalf but cannot guarantee approval.

7. Client Responsibilities

You are responsible for the accuracy of all information and documents provided, and for ensuring your business activity complies with applicable law in your countries of operation. Misrepresentation of business activity may result in termination of services without a refund.

8. Cancellation

You may cancel your application at any time before paying the invoice, at no cost. Once payment has been made and work on the company formation has begun, cancellation is subject to our Refund Policy.

9. Governing Law

These terms are governed by the laws of England and Wales for the UK Package, or by the laws of the Republic of Cyprus for the Cyprus Package, as applicable. Any dispute shall be subject to the exclusive jurisdiction of the courts of the relevant jurisdiction.

Privacy Policy

Last updated: June 2026  |  Gateway & Banks Limited

1. Who We Are

Gateway & Banks Limited (Company No. [PENDING REGISTRATION]) is the controller of the personal data we collect. We are registered in England and Wales. Registered office: [REGISTERED OFFICE ADDRESS]. For Privacy enquiries, contact: info@gatewayandbanks.co.uk

2. What Data We Collect

We collect the following personal data when you submit an application or use our services: full name, email address, phone number, identity or passport number, residential address, business name and activity, supporting KYC documents (proof of identity and proof of address), and any information you provide regarding your company formation and payment processing needs.

3. How We Use Your Data

We use your data to process the application, perform required KYC checks, prepare company formation and bank account/acquirer introductions, send service-related notifications and updates, comply with legal obligations, and prevent fraud.

4. Legal Basis

We process your data on the basis of contract performance (to deliver the service), legitimate interests (fraud prevention and service improvement), and legal compliance. Where required, we will request your consent.

5. Data Sharing

We do not sell your personal data. We may share data with payment processing partners, identity verification services, and cloud infrastructure providers, all subject to appropriate data processing agreements. We will disclose data to authorities if required by law.

6. Data Retention

We retain your data for the duration of the engagement and for 6 years afterwards, in accordance with UK financial and legal requirements.

7. Your Rights

Under the UK GDPR you have the right to access, correct, erase, or restrict processing of your personal data. You may also request a copy of your data or object to its processing. To exercise these rights, contact info@gatewayandbanks.co.uk. You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk.

8. Cookies

Our website uses essential cookies for proper functionality. We also use analytics cookies to understand how visitors use the site. You can disable cookies in your browser settings, though this may affect site functionality.

Refund Policy

Last updated: June 2026  |  Gateway & Banks Limited

1. Before Any Invoice Payment

No payment is collected via the application form. You may withdraw your application at any time before paying an invoice, at no cost and with no refund obligation, as no payment has been made.

2. Application Rejected After Review

If after reviewing the application we are unable to accept your business (e.g. due to business activity, KYC outcome, or a partner bank/processor decision), and you have already paid, you will receive a full refund of all amounts paid within 10 business days.

3. Cancellation After Company Formation Has Begun

If you cancel after company formation work has begun but before it is complete, a partial refund may be available reflecting work already carried out and any third-party registration fees already paid. Refund requests must be submitted in writing to info@gatewayandbanks.co.uk.

4. Cancellation After Full Delivery

Once the company has been formed and all five package services have been delivered, the setup fee is non-refundable.

5. Your Right to Cancel (14-day cooling-off period)

Under the Consumer Contracts Regulations 2013, you have the right to cancel within 14 days of the first payment without giving a reason, provided that company formation has not yet been completed. To exercise this right, notify us at info@gatewayandbanks.co.uk within 14 days of the first payment.

6. How Refunds Are Processed

Refunds are returned to the original payment method. Processing times depend on your bank and typically take 3–10 business days after we initiate the refund.

7. Contact Us

For all refund requests: info@gatewayandbanks.co.uk

Service Agreement

Last updated: June 2026  |  Gateway & Banks Limited

1. Payment Structure

The Gateway & Banks package fees (£3,000 for the UK package or £4,500 for the Cyprus package) are one-time, non-recurring setup fees. This is not a subscription and does not auto-renew.

2. Billing

No payment is collected through the application form on our website. After reviewing and approving the application, your onboarding manager will issue a secure invoice or payment link for the relevant package fee. All prices include applicable taxes unless stated otherwise.

3. Price Changes

The package pricing in effect at the time of application approval and invoice issuance will not change for that engagement. Gateway & Banks reserves the right to update pricing for future applicants.

4. Ongoing Services

The setup fee covers one-time delivery of Company Formation, Bank Account onboarding, website build, Merchant Account matching, and dispute alert connection. Any ongoing service requested after delivery (for example additional support or changes to your setup) may carry a separate fee, agreed in writing in advance.

5. Suspension or Termination

Gateway & Banks reserves the right to suspend or terminate services where there is evidence of fraud, misrepresentation of business activity, or breach of these terms. In such cases, refunds are subject to our Refund Policy.

6. How to Cancel

You may withdraw your application at any time before paying an invoice, at no cost. After payment, cancellation is subject to our Refund Policy.

Dispute Resolution Policy

Last updated: June 2026  |  Gateway & Banks Limited  |  Company No. [PENDING REGISTRATION]

1. Introduction

Gateway & Banks Limited ("we", "us" or "our") is committed to providing excellent service and ensuring a fair, transparent and efficient process for resolving any dispute or complaint raised by our clients. This policy describes the steps clients should take when raising a dispute regarding an application, package fees, company formation, Bank Account or Merchant Account onboarding, or any other matter, and explains how we will handle, review, and resolve such matters.

This policy applies to all applicants and clients, including those residing in the UK, Cyprus and elsewhere, subject to the applicable law set out in section 7.

2. How to Submit a Complaint or Dispute

If you wish to raise a complaint or dispute regarding your application, package fees, timelines, service delivery, cancellations, refunds or any other matter, please contact our customer support team via one of the following channels:

Email: info@gatewayandbanks.co.uk
Phone: [PHONE NUMBER] (available Monday–Friday, 09:00–17:00 GMT)
Postal address: [REGISTERED OFFICE ADDRESS]

To help us review and resolve the matter as quickly as possible, please provide the following details: your full name and account email address, your application reference number or invoice number, a clear description of the issue, and any supporting evidence or documentation.

3. Review and Response Timelines

Upon receiving your formal complaint, we will acknowledge receipt within 2 business days, provide an initial response within 5 business days, and deliver a comprehensive final written response within 15 business days of first receiving the complaint. If additional time is required, we will notify you and provide an updated timeline.

4. Resolution Outcomes

Depending on the findings of the review, possible outcomes may include: a full or partial refund of package fees, completion or correction of missing service components, an adjustment or credit applied to your engagement, or a goodwill gesture where deemed appropriate.

5. Internal Escalation Process

If you are not satisfied with the final resolution, you have the right to request an internal escalation. Your matter will be referred to a senior review manager who was not previously involved in the case. The senior review manager will issue a final written decision within 10 business days of the escalation request.

6. External Dispute Resolution (ADR) and EU Customers

If the dispute has not been resolved after completing our full internal escalation procedure, you may seek independent external remedies. EU residents purchasing services online may submit complaints via the European Commission Online Dispute Resolution platform at: https://ec.europa.eu/consumers/odr/

7. Governing Law and Jurisdiction

This Dispute Resolution Policy is governed by and construed in accordance with the laws of England and Wales. Any legal proceedings shall be brought before the competent courts in London, United Kingdom. If you are a consumer residing in Scotland, Northern Ireland, or an EU member state, you may also benefit from the mandatory consumer protection laws of your country of residence.

8. Policy Amendments

Gateway & Banks Limited reserves the right to update, amend or revise this policy at any time. Updates will be published on our official website and take effect immediately upon publication.

Contact Us

info@gatewayandbanks.co.uk  |  [PHONE NUMBER]

Accessibility Statement

Last updated: June 2026  |  Gateway & Banks Limited

Our Commitment

Gateway & Banks Limited is committed to making our website accessible to all users, including people with disabilities. We aim to meet the Web Content Accessibility Guidelines (WCAG) 2.1 at Level AA.

What We Have Done

We have designed our website with clear colour contrast, readable fonts, keyboard navigation support, and descriptive alternative text for images. Our forms are clearly labelled and content is logically structured for screen reader compatibility.

Known Limitations

Older content and third-party tools embedded in our website may not fully meet accessibility standards. We are working to address these limitations progressively.

Feedback

If you encounter any accessibility barriers on our website or require content in an alternative format, please contact us at: info@gatewayandbanks.co.uk. We aim to respond within 5 business days.

Enforcement

If you are not satisfied with our response, you can contact the Equality Advisory and Support Service (EASS) at equalityadvisoryservice.com.

Our Global Processing Network

Leading Processing Partners
One Tailored Coverage

We select the most suitable processing provider for each business — based on the activity type, country of incorporation, and transaction volume — from our partner network worldwide.

Please note: Matching to a specific processing provider is determined based on business activity type, risk history, and monthly processing volume, and is carried out with the Gateway & Banks team after the onboarding process.

Payment Processing Registration Questionnaire
Fill in the details below and we will match you with the most suitable payment processor from our partner network.
Contact Details
Please enter your First Name
Please enter your Last Name
Please enter a valid Email Address
Please enter your Contact Phone
Company Details
Please enter a company name
Please enter your business activity
Payment Methods & Sales Channels
Please select whether this is a new or existing business
Please select the processing type
✓

Application received, !

We have received your details and will match you with the most suitable payment processor from our partner network. Our representative will be in touch shortly.

← Back to Gateway & Banks

Gateway & Banks — Formation & Processing Package

Full product details and terms
£Gateway&BanksFORMATION & PAYMENTS
Full Product Details

Gateway & Banks
Formation & Processing Package

Company Formation in the UK or Cyprus, fully connected: Bank Account, Business Website, Merchant account tailored to your activity, and Verifi/Ethoca Dispute Alert Coverage.

United Kingdom
£3,000
One-time · All 5 services
Cyprus
£4,500
One-time · All 5 services
What's Included

Five services — fully included

UK and Cyprus Packages include all services listed below. Nothing is sold separately, and nothing recurs unless you choose ongoing add-ons later.

Service Details Status
Company FormationUK or Cyprus, filed and registeredIncluded
Bank AccountBusiness account opened in the Company NameIncluded
Business WebsiteBuilt and connected, ready for processingIncluded
Merchant AccountTailored to your specific activityIncluded
Dispute Alert CoverageVerifi (Visa) and Ethoca (Mastercard)Included
Dedicated onboarding manager Included in every package
Dispute Alert Coverage

Early Alerts, Not Guarantees

Verifi (linked to Visa) and Ethoca (linked to Mastercard) flag disputes early, giving you a window to resolve them directly before they escalate.

How It Works in Practice

When a cardholder disputes a charge, Verifi or Ethoca send you an alert — often before it becomes an official chargeback. You receive a short window to refund or resolve the matter directly with the customer. This does not prevent a customer from disputing a charge; it gives you an earlier and faster way to handle it, keeping your dispute ratio healthier with the acquirer over time.

How It Works

Six Simple Steps

From application to first transaction. No surprises, no hidden rules.

1

Submit your application and tell us about your business

Fill in the application with your details, business activity and chosen country of incorporation. Upload ID and proof of address to start KYC.

2

Application Review

The onboarding manager reviews your application and activity. If we cannot accept your business for any reason, we will let you know before issuing an invoice.

3

Company Formation

We file and register your company in the UK or Cyprus, including registered office arrangements and all required documents.

4

Bank Account & Website

We connect your company to a business Bank Account and build your business website, ready for processing integration.

5

Merchant Account Tailored to You

Based on your activity and billing model, we connect you to the right processor and merchant account — for one-off transactions, subscriptions, or both.

6

Dispute Alert Coverage Activated

Your account is connected to Verifi & Ethoca, so you receive an early alert if a customer disputes a charge — with time to resolve it before it escalates.

Key Terms

What You Need to Know

Package Price is a one-time setup fee covering Company Formation, Bank Account onboarding, website build, Merchant Account matching, and Dispute Alert Coverage.
No payment is collected via this application form. Your onboarding manager issues a secure invoice or payment link after reviewing the application.
Timelines for formation, banking and merchant account approval vary by country and depend on the documents provided.
Verifi & Ethoca provide Early Dispute Alerts and a window for direct resolution with the customer — they do not guarantee that a chargeback will never occur.
Gateway & Banks Limited is a formation and onboarding service. We connect you to authorised banks, processors and payment providers — we are not a bank or processor ourselves and do not hold client funds.
Acceptance of any Business Activity is subject to review; we do not work with unlawful products or services, or activities prohibited by our banking and processing partners.

Ready to apply with Gateway & Banks?

No payment is collected on this form — your onboarding manager confirms everything before issuing an invoice.

Get Started →